Summary
Overview
Work History
Education
Skills
Military
Personal Information
Training
Software
Timeline
Amir Medhat Zaky

Amir Medhat Zaky

Credit Manager
New Cairo,Cairo

Summary

Results-drive Credit Manager experienced in financial statement review, auditing and reporting. Well-versed in producing reports, evaluating department operations and handling month- and year-end closings. Meticulous, conscientious and methodical in approach. Experienced Credit Manager knowledgeable about creditworthiness and document review. Highly effective at optimizing credit policies to balance profit and loss. Detail-oriented team player with strong organizational skills. Ability to handle multiple projects simultaneously with a high degree of accuracy. To seek and maintain full-time position that offers professional challenges utilizing interpersonal skills, excellent time management and problem-solving skills.

Overview

26
26
years of professional experience
3
3
Languages

Work History

Credit Manager SME's

Emirates ENBD - Head Office
1 2018 - 02.2024
  • Comprehensively recognize & understand ENBD Egypt strategy & SME's objectives
  • Complete awareness for the main characteristics of the geographical coverage area: potential business, market trends, customer features, risks, competition… Set targeted industries based on the prevailing economic conditions & Bank's appetite
  • Enhance SME market share & profitability within appropriate risk level
  • Coach team members to resolve & manage all credit issues
  • Align Team members around the organization Strategy & Values
  • Actively engage in building strong relationships with key accounts
  • Ensure that client's needs are properly identified, tackled & well fulfilled
  • Support the Network in developing a successful SMEs model
  • Enhance portfolio Credit quality & for any significant updates
  • Ensure that management is well notified with any potential deterioration
  • Review CPMs (Credit Proposal Memos) & ensure they are meeting bank standards & objectives
  • Prepare & analyses periodic reports
  • Practice responsibilities & roles in line with the authority matrix
  • Ensure proper implementation of the Credit Delegation offered
  • Hold & attend regular meetings with other BLs within the areas under my supervision
  • Ensure full adherence with bank procedures & CBE rules/regulations.
  • Recognized across organization for diligence, accuracy and contributions toward maintaining positive cash position through problem resolution.
  • Established internal audit procedures to validate and improve accuracy of financial reporting.
  • Developed strong relationships with clients through professional communication and timely resolution of credit issues.
  • Investigated and evaluated customers for creditworthiness and potential risk factors.
  • Managed the entire end-to-end credit approval process from application review through contract negotiation and final execution.
  • Attended ongoing professional training to facilitate accurate and productive credit management.
  • Provided resources and expertise for conversion, validation and training required for company-wide software updates.
  • Conducted comprehensive financial analysis to assess creditworthiness for both new and existing customers.
  • Leveraged advanced analytics tools in assessing borrower applications which resulted in better-informed lending decisions.
  • Supported financial director with special projects and additional job duties.
  • Devised collection recovery strategies to resolve customer issues and delinquent cases.
  • Work cross-functionally with sales, management, and other departments to maintain effective operations.
  • Maintained accurate records of all customer interactions, ensuring transparency in reporting and easy access for future reference or legal purposes if necessary.
  • Reviewed and updated credit policies regularly in response to changing market conditions, industry trends, and emerging risks.
  • Ensured timely resolution of disputed accounts, working closely with internal and external stakeholders to maintain positive customer relationships.
  • Maintained full knowledge of current regulatory environment and made proactive adjustments to meet changing requirements.
  • Evaluated complex customer profiles using financial statements, credit reports, and industry data to make informed lending decisions.
  • Negotiated settlements and payment terms with customers and delivered customized payment plans.
  • Evaluated and negotiated contracts to procure favorable financial terms.
  • Collaborated with management to evaluate credit strategies and develop improvements.
  • Participated in internal audits to ensure adherence to corporate guidelines and regulatory requirements related to credit management activities.
  • Analyzed applicants' financial status and credit and property evaluations to determine loan feasibility.
  • Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
  • Performed monthly account credit limit reviews and credit increase review requests from financial service and sales teams.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.
  • Implemented an effective training program for new hires that accelerated their ability to contribute effectively within the team environment quickly.
  • Streamlined processes for early identification of potential credit system and monitoring problems.
  • Complied with established internal controls and policies.
  • Implemented and regularly reviewed financial controls to generate accurate and reliable financial data.
  • Established and checked coding procedures, monitored reports and updated internal files.
  • Mentored junior team members in credit management best practices to enhance overall department performance.
  • Improved credit risk management by implementing effective underwriting policies and procedures.
  • Built a high-performing credit management team with a strong focus on collaboration, accountability, and continuous development.
  • Obtained and reviewed credit reports, credit references, credit insurance and financial statements to establish credit limits for new accounts.
  • Reviewed and analyzed loan procedures.
  • Obtained and interpreted financial statements to assist in credit limit reviews.
  • Improved overall financial reporting by streamlining control processes and reporting structures.
  • Collected data and performed trend and variance analysis to mitigate risk arising from bad debt.
  • Provided training and consulted with struggling teams to help meet monthly target goals.
  • Reduced past due balances and bad debt by coordinating collection efforts with customer service, sales and billing departments.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Developed and maintained courteous and effective working relationships.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Identified issues, analyzed information and provided solutions to problems.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Applied effective time management techniques to meet tight deadlines.
  • Gained strong leadership skills by managing projects from start to finish.
  • Delivered services to customer locations within specific timeframes.
  • Exercised leadership capabilities by successfully motivating and inspiring others.
  • Paid attention to detail while completing assignments.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Learned and adapted quickly to new technology and software applications.
  • Gained extensive knowledge in data entry, analysis and reporting.
  • Proven ability to learn quickly and adapt to new situations.
  • Demonstrated leadership skills in managing projects from concept to completion.
  • Proven ability to develop and implement creative solutions to complex problems.
  • Cultivated interpersonal skills by building positive relationships with others.

Area Head /Senior Customer Relationship Manager

Emirates ENBD (Previously BNP Paribas)
06.2005 - 12.2017
  • Managing corporate portfolio for medium size companies
  • Responsible for generating new customers and handling existing portfolio
  • Revising full credit proposals for existing & new clients
  • Weekly monitoring for expired files & to prepare required extensions until submitting the full credit packages
  • Monitor existing loans to identify problems early enough to preserve any expected loss
  • Ensure compliance with all audits / compliance / risk management requirements
  • Resolving clients complain in a proper time
  • Fully understand the Bank's Wholesale Banking products and associated processes
  • Awareness of global trade flows and the best suited practices for any particular transaction
  • Assist the Wholesale Banking Client Relationship team in developing and maintaining relationships with key clients
  • Contribute to achieve requested budget and more
  • Cross selling of bank products and services.
  • Maintained customer satisfaction with quick and professional handling of product returns.
  • Led a team of professionals to achieve area targets, fostering a collaborative work environment.
  • Optimized service quality and performance standards across my Zone
  • Volunteered for extra shifts during holidays and other busy periods to alleviate staffing shortages.
  • Presented reports on area achievements to senior management, highlighting successes and areas for improvement.
  • Developed and maintained strong relationships with key clients, resulting in increased customer satisfaction and loyalty.
  • Trained newly hired sales team in upselling techniques.
  • Submitted reports to senior management to aid in business decision-making and planning.
  • Answered product questions and assisted customers in selection and checkout.
  • Trained team members in successful strategies to meet operational and sales targets.
  • Mentored junior staff members, providing guidance on best practices and industry standards.
  • Drove revenue growth through effective sales coaching techniques that resulted in improved team performance.
  • Collaborated with other departments to ensure smooth operations and communication across the organization.
  • Researched issues to obtain appropriate answers to customer inquiries.
  • Revamped outdated operational procedures which positively impacted overall workflow efficiency within the area.
  • Promoted business' development by building and maintaining relationships with new clients.
  • Enhanced employee engagement through regular performance reviews, feedback sessions, and professional development opportunities.
  • Educated staff on strategies for handling difficult customers and challenging situations.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Participated in team projects, demonstrating an ability to work collaboratively and effectively.
  • Proven ability to learn quickly and adapt to new situations.
  • Delivered services to customer locations within specific timeframes.
  • Provided professional services and support in a dynamic work environment.
  • Learned and adapted quickly to new technology and software applications.
  • Paid attention to detail while completing assignments.
  • Proven ability to develop and implement creative solutions to complex problems.
  • Passionate about learning and committed to continual improvement.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Identified issues, analyzed information and provided solutions to problems.
  • Exercised leadership capabilities by successfully motivating and inspiring others.
  • Strengthened customer relationships by understanding their unique needs and providing tailored solutions.
  • Enhanced customer experience by streamlining communication processes and providing timely updates on products and services.
  • Conducted training and mentored team members to promote productivity and commitment to friendly service.
  • Established strong rapport with clients, resulting in long-lasting and mutually beneficial business relationships.
  • Enhanced profitability by developing pipelines utilizing marketing and sales strategies.
  • Managed accounts to retain existing relationships and grow share of business.
  • Created customer support strategies to increase customer retention.
  • Held one-on-one meetings with sales team members to identify selling hurdles and offered insight into best remedy.
  • Offered internal and external customers first-rate customer service to maximize satisfaction and business success.
  • Facilitated business by implementing practical networking techniques.
  • Delivered superior customer service to strengthen relationships and drive future business revenue.
  • Managed a diverse portfolio of clients from various industries, adapting strategies to suit individual requirements.
  • Worked with clients to address and respond to client and partnership management issues.
  • Managed customer relations on ongoing basis to maximize customer retention.
  • Resolved problems with high-profile customers to maintain relationships and increase return customer base.
  • Built partnerships with diverse internal teams and sales, finance, and operations departments to streamline processes.
  • Built relationships with customers and community to establish long-term business growth.
  • Collaborated with cross-functional teams to address key customer concerns, boosting overall satisfaction levels.
  • Completed opening and closing functions to meet operational needs.
  • Developed and implemented strategic plans for improving client retention rates.
  • Provided coaching and guidance to junior staff members, enhancing their skills and knowledge in managing customer relationships effectively.
  • Reinforced established quality control standards and followed procedures for optimal customer interactions.
  • Collaborated cross-functionally with headquarters, regional and other teams nationally to maintain consistent message and experience.
  • Analyzed data on customer interactions, identifying trends and areas for improvement in service quality.
  • Exceeded sales quotas and increased profitability through effective sales strategy and business planning.
  • Reviewed overdue tickets and followed-up with customer support personnel to resolve root cause of delay.
  • Increased profit margins by effectively controlling budget and overhead and optimizing product turns.
  • Organized and facilitated training sessions for staff members on best practices in relationship management techniques, resulting in improved service standards across the organization.
  • Led team of customer relationship managers, fostering a positive work environment that resulted in high employee engagement and productivity.
  • Evaluated potential risks associated with client accounts proactively addressing any potential issues.
  • Coached and promoted high-achieving sales and account management employees to fill leadership positions with qualified staff and boost company growth.
  • Self-motivated, with a strong sense of personal responsibility.
  • Gained strong leadership skills by managing projects from start to finish.
  • Developed and maintained courteous and effective working relationships.
  • Strengthened communication skills through regular interactions with others.
  • Worked well in a team setting, providing support and guidance.
  • Developed strong organizational and communication skills through coursework and volunteer activities.
  • Completed paperwork, recognizing discrepancies and promptly addressing for resolution.
  • Used strong analytical and problem-solving skills to develop effective solutions for challenging situations.
  • Proved successful working within tight deadlines and a fast-paced environment.
  • Cultivated interpersonal skills by building positive relationships with others.

Relationship Manager

Credit Agricole Egypt
08.2003 - 05.2005
  • Corporate Medium size companies (Main Branch)
  • Provided exceptional customer service, resolving issues promptly and maintaining client trust throughout the resolution process.
  • Communicated regularly with clients to understand needs, evaluate current product use and cross-sell new products.
  • Monitored financial markets closely to stay informed on industry trends, ensuring accurate advice and guidance for clients.
  • Created and maintained databases to track customer discussions and preferences for accurate, updated records.
  • Developed and cultivated lucrative relationships with both new and existing clients through effective communication and exemplary interpersonal skills.
  • Implemented effective communication strategies to maintain ongoing dialogue with clients, fostering long-term partnerships.
  • Established internal audit procedures to validate and improve accuracy of financial reporting.
  • Monitored customer feedback and generated reports to identify areas of improvement.
  • Created financial dashboards to provide insights into key performance indicators.
  • Prepared cash flow projections, cost analysis and monthly, quarterly and annual reports.
  • Developed loyalty programs to reward and maintain customer retention.
  • Collaborated with C-level executives and stakeholders to develop long-term financial plans.
  • Consistently exceeded quarterly sales goals by cultivating a strong network of professional contacts and referrals.
  • Maintained knowledge on banking products and distribution to provide optimal service support.
  • Achieved goals for sale of bank products and services and exceeded performance metrics for customer service.
  • Mentored junior team members on best practices in relationship management techniques, contributing to overall team success and growth within the company.
  • Designed and maintained financial models to identify and measure risks.
  • Developed customer surveys to measure customer satisfaction and identify areas of improvement.
  • Prepared internal and regulatory financial reports, balance sheets and income statements.
  • Conducted regular reviews of clients'' financial profiles to ensure alignment with their risk tolerance, objectives, and investment strategies.
  • Established and checked coding procedures, monitored reports and updated internal files.
  • Performed banking, business administration and financial tasks to guarantee five-star service for clients.
  • Strengthened client relationships by actively listening to their needs and providing tailored financial solutions.
  • Responded to customer inquiries and resolved complaints to establish trust and increase satisfaction.
  • Evaluated portfolio performance regularly using advanced analytics tools, making strategic recommendations to optimize client returns.
  • Developed strategic plans for day-to-day financial operations.
  • Collaborated with cross-functional teams for seamless management of high-profile accounts, resulting in improved customer satisfaction.
  • Coordinated efforts between various departments such as sales, credit assessment, operations teams for smooth delivery of services to clients.
  • Continuously updated personal knowledge of banking regulations and compliance requirements to minimize risk exposure for both clients and the organization.
  • Analyzed customer data to identify areas of improvement and maximize customer satisfaction.
  • Delivered comprehensive reports detailing account activity and progress towards established financial goals, increasing transparency and trust with clients.
  • Reviewed historical records, current operational data and forecasting information to identify and capitalize on system enhancement opportunities.
  • Participated in industry events and trade shows to promote products and services.
  • Complied with established internal controls and policies.
  • Played a crucial role in retaining valuable clients during periods of market volatility by addressing concerns proactively and providing expert guidance on portfolio adjustments.
  • Participated in staff meetings to discuss innovative strategies to improve services.
  • Excellent communication skills, both verbal and written.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Proven ability to develop and implement creative solutions to complex problems.
  • Gained extensive knowledge in data entry, analysis and reporting.
  • Cultivated interpersonal skills by building positive relationships with others.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Worked effectively in fast-paced environments.
  • Demonstrated a high level of initiative and creativity while tackling difficult tasks.
  • Strengthened communication skills through regular interactions with others.
  • Adaptable and proficient in learning new concepts quickly and efficiently.
  • Paid attention to detail while completing assignments.
  • Demonstrated creativity and resourcefulness through the development of innovative solutions.
  • Organized and detail-oriented with a strong work ethic.
  • Participated in team projects, demonstrating an ability to work collaboratively and effectively.
  • Developed and maintained courteous and effective working relationships.
  • Identified issues, analyzed information and provided solutions to problems.

Client Relationship Officer

Calyon
05.2002 - 08.2003

· Medium-sized Corporate Companies (Main Branch) Contributed to team goals in a fast-paced setting.

· Monitored post-sale services and implemented efficient problem-solving techniques. Enhanced operational efficiency by streamlining processes, resulting in quicker response times to client queries.

· Created summaries to evaluate each client's engagement level and set targets for follow-up strategies. Expanded the company's client base by actively seeking new leads and converting them into long-term clients.

· Kept abreast of company offerings and industry trends. Selected appropriate products based on customer needs, specifications, and regulations.

· Cultivated strong client relationships by consistently delivering excellent customer service and addressing their requirements. Fostered partnerships with various internal teams including sales, finance, and operations to streamline processes.

· Managed ongoing customer relations to optimize customer retention.

· Participated in monthly sales meetings and quarterly sales training sessions. Performed effectively in a self-directed work environment, overseeing day-to-day operations and decisions. Aided in conflict resolution during partnership negotiations and acquisitions.

· Organized and led productive client meetings to discuss goals, review progress, and identify areas for enhancement. Reviewed overdue tickets and followed up with customer support staff to address the root cause of delays.

· Maintained and expanded relationships by playing a proactive, mobile, and value-adding partnership role. Developed, maintained, and utilized a diverse client base.

· Built and maintained close customer relationships through regular communication and visits. Supported the sales team in implementing sales strategies to achieve growth objectives and targets.

· Closely monitored market conditions to keep clients informed about potential opportunities or risks in their portfolios. Managed departmental call volume, handling a wide range of calls per day, and coordinated schedules for peak hour coverage.

· Identified key areas for process improvements within the department and implemented changes that reduced errors and increased efficiency.

· Communicated with clients via phone, email, and text to meet their needs and define expectations.

· Collaborated with managers to provide customer feedback and suggest operational changes to address emerging trends. Handled customer complaints, facilitated negotiations, and resolved issues to mutual satisfaction.

· Utilized Atlas software and CRM applications to record and track client interactions. Upheld established quality control standards and followed procedures for optimal customer interactions. Negotiated prices, sales terms, and service agreements.

· Provided top-notch customer service to internal and external customers to maximize satisfaction and business success. Nurtured lasting relationships with customers through effective communication and quick responses, leading to long-term loyalty and an expanded client base.

· Consulted with businesses to provide accurate product and service information. Developed training guides and conducted in-person and online training sessions to enhance customer user experience in the Atlas software environment.

· Offered ongoing support and education for clients on various products, services, policies, procedures, digital platform navigation, and more.

· Enhanced client satisfaction by effectively resolving issues, ensuring smooth transactions, and maintaining clear communication.

· Promoted the conversion of casual shoppers into customers through product knowledge and solutions tailored to meet customer needs.

· Provided knowledgeable and friendly support to customers throughout the shopping and purchasing process.

· Monitored metrics and derived actionable insights to enhance efficiency and performance. Maintained accurate and efficient records in the customer database.

· Increased sales by managing the full sales cycle from lead processing to conversion and closure. Managed a large client portfolio, monitoring accounts closely and providing personalized financial growth advice.

· Delivered superior customer service to strengthen relationships and drive future business revenue.

· Maintained detailed daily activity records in the online customer database.

· Met with existing customers to review current services and explore new sales opportunities. Improved client retention through regular check-ins, updates on account performance, and insights on market trends. Built a diverse and consistent sales portfolio. Contributed to event marketing, sales, and brand promotion efforts.

· Monitored, followed up on, and escalated cases to meet customer response commitments. Met with customers to understand their needs, offer tailored solutions, and close deals. Informed customers about current and new programs and services.

· Developed customer support strategies to enhance customer retention. Identified new business opportunities through cold calling, networking, marketing, and prospective database leads. Conducted thorough reviews of existing accounts to identify service gaps or upselling opportunities.

· Maintained detailed records of all client interactions for seamless future engagements. Collaborated with the sales team to collectively achieve targets, consistently meeting or exceeding personal quotas.

· Facilitated meetings and discussions between clients and cross-selling teams. Assisted customers in opening accounts and signing up for new services.

· Maintained clear and open communication channels with clients, colleagues, and stakeholders to ensure everyone was informed of relevant information.

· Addressed and responded to client and partnership management issues in collaboration with clients.

· Trained new employees on customer service, financial transactions, and organizational strategies. Used consultative techniques to understand customer needs and make strategic referrals to business partners.

· Kept abreast of evolving changes in the marketplace. Possessed excellent verbal and written communication skills.

· Demonstrated a proven ability to learn quickly and adapt to new situations. Skilled at working independently and collaboratively in a team environment.

· Displayed strong organizational and time management skills while managing multiple projects.

Relationship Banker

Credit Agricole Indosuez
07.2000 - 05.2002
  • Corporate Medium size companies (Main Branch)
  • Keyed customer contact information and payment data into system carefully observing corporate confidentiality procedures.
  • Assisted customers with completing required forms for opening and closing bank accounts.
  • Monitored accuracy of customer information in system.
  • Facilitated customer transactions, including deposits, withdrawals and transfers.
  • Analyzed customers' financial information to deliver personalized account guidance.
  • Maintained customer records and updated account information.
  • Explained account terms and conditions to customers.
  • Resolved customer complaints and disputes to maintain satisfaction and loyalty.
  • Developed strong rapport with local businesses, positioning the bank as a preferred partner for commercial banking services.
  • Conducted comprehensive financial reviews for clients, resulting in more informed decision-making and better risk management.
  • Engaged departments in customer satisfaction initiatives to uplift service ratings.
  • Delivered informative presentations at community events, promoting brand awareness while educating audiences on personal finance topics.
  • Contacted customers as soon as issues arose to immediately find resolution before problem escalated.
  • Tracked and processed customer account requests and applications.
  • Enhanced reputation as a trusted advisor with clients through consistent delivery of high-quality financial guidance and support.
  • Answered customer questions and explained available services such as deposit accounts, bonds, and securities.
  • Verified customer identity and reviewed documentation for accuracy.
  • Maintained up-to-date knowledge of banking products and industry trends to provide expert advice to clients effectively.
  • Activated new accounts and issued customer identification numbers.
  • Presented new and additional products and services to existing customers.
  • Implemented strategies to increase customer retention, enabling investment growth.
  • Contributed to the successful launch of new products by collaborating closely with marketing teams on promotional campaigns and materials.
  • Expanded client base through effective networking and referral generation, leading to increased business opportunities.
  • Assisted customers in achieving financial goals by recommending suitable products and services based on their needs.
  • Developed summaries to assess each client's participation level and determine targets for follow-up plans.
  • Cultivated strong customer relationships by providing tailored advice and services.
  • Collaborated with branch team members to improve overall performance and achieve sales targets consistently.
  • Facilitated effective communication between clients and bank representatives, ensuring a seamless account management experience.
  • Responded to customer inquiries regarding new accounts and account services.
  • Achieved excellent customer satisfaction ratings by addressing concerns promptly and professionally, demonstrating empathy throughout interactions.
  • Managed multiple customer accounts efficiently, ensuring accurate record-keeping and timely resolution of issues.
  • Processed customer requests for statements, ordering additional checks, and updating customer personal information in database.
  • Increased cross-selling success by proactively identifying client needs and suggesting appropriate financial solutions.
  • Strengthened client relationships by providing personalized banking solutions and excellent customer service.
  • Interviewed customers to obtain information needed for opening new accounts or renting safe-deposit boxes.
  • Demonstrated a high level of initiative and creativity while tackling difficult tasks.
  • Applied effective time management techniques to meet tight deadlines.
  • Skilled at working independently and collaboratively in a team environment.
  • Resolved problems, improved operations and provided exceptional service.
  • Excellent communication skills, both verbal and written.
  • Worked effectively in fast-paced environments.
  • Learned and adapted quickly to new technology and software applications.
  • Worked flexible hours across night, weekend, and holiday shifts.
  • Developed and maintained courteous and effective working relationships.
  • Managed time efficiently in order to complete all tasks within deadlines.
  • Worked well in a team setting, providing support and guidance.
  • Gained strong leadership skills by managing projects from start to finish.
  • Cultivated interpersonal skills by building positive relationships with others.
  • Strengthened communication skills through regular interactions with others.
  • Adaptable and proficient in learning new concepts quickly and efficiently.

Marketing Coordinator

HSBC
01.2000 - 07.2000
  • Marketing (Main Branch)
  • Established relationships with key stakeholders and media outlets to secure press coverage and increase rapport and trust.
  • Managed budget allocation and resource utilization to maximize marketing ROI.
  • Analyzed and reported on KPIs to validate and demonstrate success of marketing campaigns.
  • Supported sales team efforts by creating persuasive sales collateral that clearly communicated product benefits.
  • Coordinated public relations activities, securing positive press coverage for company initiatives.

Banking Operations Specialist

Credit International Du Egypt
9 1998 - 01.2000
  • Banking Operations (Head Office)
  • Collaborated with internal business partners to deliver cohesive banking experience to customers.
  • Reduced operational errors by conducting thorough audits and providing staff training.
  • Maintained friendly and professional customer interactions.
  • Performed account maintenance by closing out accounts and changing customer addresses.
  • Calculated fees due, interest and change for customer transactions.
  • Handled various accounting transactions.
  • Generated monthly reports on customer activity and customer feedback.
  • Collaborated with human resources department on staff training and development programs, fostering continuous improvement within the operations team.
  • Established rapport with new clients to increase satisfaction and loyalty.
  • Assisted customers with banking needs and inquiries.
  • Improved risk management with diligent monitoring of financial transactions for potential fraud or suspicious activity.
  • Processed applications for new accounts.
  • Spearheaded initiatives to integrate new technology in daily operations, increasing efficiency and productivity.
  • Executed wire transfers, stop payments and account transfers.
  • Mentored junior team members in mastering job responsibilities while modeling exceptional professionalism at all times.
  • Streamlined banking operations by implementing new procedures and optimizing workflow.
  • Implemented policies to improve efficiency and team performance.
  • Wrote and distributed customer correspondence.
  • Monitored cash flow within the branch to ensure adequate liquidity levels were maintained at all times.
  • Enhanced customer satisfaction by efficiently processing transactions and addressing inquiries.
  • Referred customers to other banking departments for specialized services.
  • Monitored and verified suspicious activity on customer accounts.
  • Facilitated clear communication between departments to resolve issues promptly and foster team collaboration.
  • Cultivated interpersonal skills by building positive relationships with others.
  • Demonstrated respect, friendliness and willingness to help wherever needed.
  • Assisted with day-to-day operations, working efficiently and productively with all team members.
  • Developed and maintained courteous and effective working relationships.
  • Provided professional services and support in a dynamic work environment.
  • Strengthened communication skills through regular interactions with others.
  • Proven ability to learn quickly and adapt to new situations.
  • Identified issues, analyzed information and provided solutions to problems.
  • Worked well in a team setting, providing support and guidance.
  • Resolved problems, improved operations and provided exceptional service.
  • Used critical thinking to break down problems, evaluate solutions and make decisions.
  • Delivered services to customer locations within specific timeframes.

Education

Loan Restructuring

EBI (Egyptian Banking Institution), Cairo, Egypt
05.2021

SME's Banking Master Class

EBI (Egyptian Banking Institution), Cairo, Egypt
09.2019

Certificate in Microfinance

EBI (Egyptian Banking Institution), Cairo, Egypt
08.2019

Credit Certificate

Frankfurt School / EBI, Cairo, Egypt
06.2019

Credit Certificate

American University in Cairo, Cairo, Egypt
07.2007

Bachelor of Commerce - Accounting

Faculty of Commerce And Business Administration (English Section), Cairo, Egypt
06.1998

Egyptian secondary school national certificate (Thanaweya Amma) - undefined

Maadi Language School

Skills

Accounting management

Military

Exempted

Personal Information

  • Date of Birth: 01/25/76
  • Nationality: Egyptian

Training

  • Summer 97 Misr International Bank (Maadi Branch); Banking operations - Deposits.
  • National Bank of Abu Dhabi (Mohandessin Branch); Banking Operations - Current Accounts & Foreign Exchange Department.
  • Summer 96 National Bank of Abu Dhabi (Talaat Harb Branch); Banking Operations (Central Accounts & Deposits)
  • Summer 95 Suez Canal Bank (Main Branch); Banking Operations - Deposits.
  • Nile Company for Roads and Bridges Construction.; Accounting Department.

Software

Microsoft office

CRM

Atlas

Finical

Swift

Timeline

Area Head /Senior Customer Relationship Manager - Emirates ENBD (Previously BNP Paribas)
06.2005 - 12.2017
Relationship Manager - Credit Agricole Egypt
08.2003 - 05.2005
Client Relationship Officer - Calyon
05.2002 - 08.2003
Relationship Banker - Credit Agricole Indosuez
07.2000 - 05.2002
Marketing Coordinator - HSBC
01.2000 - 07.2000
Credit Manager SME's - Emirates ENBD - Head Office
1 2018 - 02.2024
Banking Operations Specialist - Credit International Du Egypt
9 1998 - 01.2000
EBI (Egyptian Banking Institution) - , Loan Restructuring
EBI (Egyptian Banking Institution) - , SME's Banking Master Class
EBI (Egyptian Banking Institution) - , Certificate in Microfinance
Frankfurt School / EBI - , Credit Certificate
American University in Cairo - , Credit Certificate
Faculty of Commerce And Business Administration (English Section) - Bachelor of Commerce, Accounting
Maadi Language School - Egyptian secondary school national certificate (Thanaweya Amma),
Amir Medhat ZakyCredit Manager